First Regional Bank


1801 Century Park East
Los Angeles, CA 90067
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

First Regional Bank is an FDIC insured institution located in Los Angeles, CA. It was founded in 1979 and has approximately $2.08 billion in assets.

First Regional Bank, Los Angeles, California, was closed January 29, 2010 by the California Department of Financial Institutions, which appointed the Federal Deposit Insurance Corporation (FDIC) as receiver. To protect the depositors, the FDIC entered into a purchase and assumption agreement with First-Citizens Bank & Trust Company, Raleigh, North Carolina, to assume all of the deposits of First Regional Bank.

FDIC Insured Yes
FDIC Certificate # 23011
Date Established 1979
Assets $ 2.08 billion
Loans $ 1,877.63 million
Deposits $ 1,664.45 million
Capital $ 120.28 million

For a more detailed analysis of First Regional Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 20, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - September 20, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First Regional Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 1907
2.808% 2.750%
-0.25 points
$1,875 fees
$1,021 Learn More
First Internet Bank
NMLS ID: 424182
2.656% 2.625%
0.38 points
$1,032 fees
$1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to First Regional Bank
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Financial Details

First Regional Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Regional Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First Regional Bank U.S. Bank Average
195% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, First Regional Bank had $364,259,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $120,282,000 in equity and $66,522,000 in loans loss reserves. That gives it a Texas Ratio of 195%.

Return on Equity
First Regional Bank U.S. Bank Average
-71.22% 11.43%

First Regional Bank has a Return on Equity of -71.22% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

First Regional Bank U.S. Bank Average
5.78% 11.51%

First Regional Bank has a Capitalization of 5.78% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First Regional Bank Balance Sheet Analysis

As of November 30, -0001, First Regional Bank had assets of $2,082,684,000, loans of $1,877,629,000, and deposits of $1,664,450,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,877.63 million
Loan loss allowance $ 66.52 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 1,664.45 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 2.08 billion

Summary Income Statement

March 31, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in First Regional Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, First Regional Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About First Regional Bank

Branches and Savings

Is First Regional Bank FDIC insured?

Yes. It is covered under FDIC Certificate #23011.

Why does First Regional Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First Regional Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First Regional Bank a commercial bank?


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Does First Regional Bank offer mortgages?

Compare mortgage rates here.

Does First Regional Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Regional Bank offer personal loans?

Compare personal loan rates here.

Does First Regional Bank offer student loans?

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Background on The Bank

Who owns First Regional Bank?

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